Home > Bank of Geneva > Performance and Condition Ratios
Bank of Geneva, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 350 |
| Cost of funding earning assets | 0.7864% | 1,600 |
| Net interest margin | 4.7760% | 418 |
| Noninterest income to average assets | 0.3113% | 4,032 |
| Noninterest expense to average assets | 3.0133% | 2,014 |
| Loan and lease loss provision to assets | 0.0896% | 2,353 |
| Net operating income to assets | 1.7809% | 577 |
| Return on assets (ROA) | 1.7809% | 572 |
| Pretax return on assets | 1.7809% | 971 |
| Return on Equity (ROE) | 16.6693% | 524 |
| Retained earnings to average equity (ytd only) | 5.9489% | 2,222 |
| Net charge-offs to loans | 0.1848% | 1,039 |
| Credit loss provision to net charge-offs | 54.9569% | 3,144 |
| Earnings coverage of net charge-offs (x) | 11.4741% | 2,623 |
| Efficiency ratio | 61.7006% | 3,584 |
| Assets per employee ($millions) | 4.9967% | 2,507 |
| Cash dividends to net income (ytd only)* | 64.3125% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,221 |
| Loan loss allowance to noncurrent loans | 1,013.4545% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,351 |
| Noncurrent loans to loans | 0.1065% | 4,256 |
| Net loans and leases to total assets | 88.1293% | 113 |
| Net loans and leases to deposits | 123.4180% | 72 |
| Net loans and leases to core deposits | 133.9113% | 262 |
| Total domestic deposits to total assets | 71.4072% | 5,104 |
| Equity capital to assets | 10.7019% | 2,985 |
| Core capital (leverage) ratio | 10.8835% | 2,645 |
| Tier 1 risk-based capital ratio | 13.5471% | 3,524 |
| Total risk-based capital ratio | 14.7450% | 3,459 |
| Memoranda: | ||
| Average total assets | $284,639,200 | 2,237 |
| Average earning assets | $272,509,400 | 2,181 |
| Average equity | $30,409,200 | 2,312 |
| Average total loans | $251,026,400 | 1,819 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 346 |
| Cost of funding earning assets | 0.7429% | 1,611 |
| Net interest margin | 4.7766% | 390 |
| Noninterest income to average assets | 0.2287% | 4,600 |
| Noninterest expense to average assets | 2.3377% | 4,000 |
| Loan and lease loss provision to assets | 0.1200% | 1,687 |
| Net operating income to assets | 2.3485% | 205 |
| Return on assets (ROA) | 2.3485% | 203 |
| Pretax return on assets | 2.3485% | 310 |
| Return on Equity (ROE) | 21.9927% | 167 |
| Retained earnings to average equity (ytd only) | 9.5444% | 1,038 |
| Net charge-offs to loans | 0.2498% | 677 |
| Credit loss provision to net charge-offs | 54.6039% | 2,795 |
| Earnings coverage of net charge-offs (x) | 11.2334% | 2,530 |
| Efficiency ratio | 48.6391% | 5,021 |
| Assets per employee ($millions) | 5.0012% | 2,463 |
| Cash dividends to net income (ytd only)* | 56.6018% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,058.5551% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 4,515 |
| Noncurrent loans to loans | 0.1044% | 4,416 |
| Net loans and leases to total assets | 85.8837% | 272 |
| Net loans and leases to deposits | 114.4599% | 174 |
| Net loans and leases to core deposits | 124.2795% | 456 |
| Total domestic deposits to total assets | 75.0339% | 4,881 |
| Equity capital to assets | 10.6599% | 2,971 |
| Core capital (leverage) ratio | 11.0945% | 2,490 |
| Tier 1 risk-based capital ratio | 13.8750% | 3,432 |
| Total risk-based capital ratio | 15.0868% | 3,356 |
| Memoranda: | ||
| Average total assets | $283,347,250 | 2,255 |
| Average earning assets | $271,538,750 | 2,198 |
| Average equity | $30,257,750 | 2,327 |
| Average total loans | $249,235,000 | 1,833 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4045% | 383 |
| Cost of funding earning assets | 0.6885% | 1,692 |
| Net interest margin | 4.7160% | 419 |
| Noninterest income to average assets | 0.2213% | 4,700 |
| Noninterest expense to average assets | 2.2838% | 4,181 |
| Loan and lease loss provision to assets | 0.1601% | 1,166 |
| Net operating income to assets | 2.3045% | 207 |
| Return on assets (ROA) | 2.3045% | 201 |
| Pretax return on assets | 2.3045% | 326 |
| Return on Equity (ROE) | 21.5670% | 182 |
| Retained earnings to average equity (ytd only) | 12.0786% | 504 |
| Net charge-offs to loans | 0.0064% | 2,909 |
| Credit loss provision to net charge-offs | 2,812.5000% | 154 |
| Earnings coverage of net charge-offs (x) | 433.0000% | 212 |
| Efficiency ratio | 48.0971% | 5,114 |
| Assets per employee ($millions) | 4.6992% | 2,816 |
| Cash dividends to net income (ytd only)* | 43.9951% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,440 |
| Loan loss allowance to noncurrent loans | 421.1009% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 3,677 |
| Noncurrent loans to loans | 0.2966% | 3,634 |
| Net loans and leases to total assets | 88.6260% | 118 |
| Net loans and leases to deposits | 119.7672% | 108 |
| Net loans and leases to core deposits | 130.9936% | 315 |
| Total domestic deposits to total assets | 73.9985% | 5,040 |
| Equity capital to assets | 10.7513% | 2,886 |
| Core capital (leverage) ratio | 11.1498% | 2,392 |
| Tier 1 risk-based capital ratio | 13.6680% | 3,524 |
| Total risk-based capital ratio | 14.9197% | 3,437 |
| Memoranda: | ||
| Average total assets | $281,106,670 | 2,280 |
| Average earning assets | $269,849,670 | 2,211 |
| Average equity | $30,036,670 | 2,350 |
| Average total loans | $248,344,670 | 1,844 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 397 |
| Cost of funding earning assets | 0.6350% | 1,809 |
| Net interest margin | 4.6774% | 421 |
| Noninterest income to average assets | 0.2184% | 4,696 |
| Noninterest expense to average assets | 2.2548% | 4,276 |
| Loan and lease loss provision to assets | 0.1509% | 1,201 |
| Net operating income to assets | 2.3008% | 205 |
| Return on assets (ROA) | 2.3008% | 205 |
| Pretax return on assets | 2.3008% | 320 |
| Return on Equity (ROE) | 21.6019% | 172 |
| Retained earnings to average equity (ytd only) | 12.1570% | 656 |
| Net charge-offs to loans | 0.0082% | 2,443 |
| Credit loss provision to net charge-offs | 2,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 341.2000% | 199 |
| Efficiency ratio | 47.9084% | 5,197 |
| Assets per employee ($millions) | 4.3401% | 3,415 |
| Cash dividends to net income (ytd only)* | 43.7227% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,484 |
| Loan loss allowance to noncurrent loans | 677.4617% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,265 |
| Noncurrent loans to loans | 0.1853% | 4,129 |
| Net loans and leases to total assets | 87.6610% | 152 |
| Net loans and leases to deposits | 115.9406% | 156 |
| Net loans and leases to core deposits | 126.7530% | 403 |
| Total domestic deposits to total assets | 75.6085% | 5,007 |
| Equity capital to assets | 10.7521% | 2,820 |
| Core capital (leverage) ratio | 11.0105% | 2,426 |
| Tier 1 risk-based capital ratio | 13.7397% | 3,525 |
| Total risk-based capital ratio | 14.9911% | 3,429 |
| Memoranda: | ||
| Average total assets | $278,333,500 | 2,316 |
| Average earning assets | $267,072,000 | 2,252 |
| Average equity | $29,645,500 | 2,397 |
| Average total loans | $243,886,000 | 1,884 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2369% | 413 |
| Cost of funding earning assets | 0.6088% | 1,536 |
| Net interest margin | 4.6281% | 472 |
| Noninterest income to average assets | 0.3799% | 3,762 |
| Noninterest expense to average assets | 2.4580% | 3,919 |
| Loan and lease loss provision to assets | 0.1613% | 1,386 |
| Net operating income to assets | 2.1845% | 197 |
| Return on assets (ROA) | 2.1138% | 232 |
| Pretax return on assets | 2.1138% | 382 |
| Return on Equity (ROE) | 19.0216% | 238 |
| Retained earnings to average equity (ytd only) | 3.2423% | 3,353 |
| Net charge-offs to loans | 0.0043% | 3,937 |
| Credit loss provision to net charge-offs | 4,200.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 610.7000% | 142 |
| Efficiency ratio | 51.1674% | 5,154 |
| Assets per employee ($millions) | 4.4984% | 3,187 |
| Cash dividends to net income (ytd only)* | 82.9548% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,516 |
| Loan loss allowance to noncurrent loans | 671.7489% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,277 |
| Noncurrent loans to loans | 0.1849% | 4,177 |
| Net loans and leases to total assets | 85.4022% | 299 |
| Net loans and leases to deposits | 110.1209% | 266 |
| Net loans and leases to core deposits | 121.1139% | 556 |
| Total domestic deposits to total assets | 77.5531% | 4,786 |
| Equity capital to assets | 10.5505% | 3,111 |
| Core capital (leverage) ratio | 10.8781% | 2,446 |
| Tier 1 risk-based capital ratio | 13.6131% | 3,565 |
| Total risk-based capital ratio | 14.8645% | 3,482 |
| Memoranda: | ||
| Average total assets | $260,333,200 | 2,411 |
| Average earning assets | $248,850,600 | 2,356 |
| Average equity | $28,930,200 | 2,434 |
| Average total loans | $231,744,800 | 1,927 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 397 |
| Cost of funding earning assets | 0.5936% | 1,576 |
| Net interest margin | 4.6358% | 460 |
| Noninterest income to average assets | 0.4125% | 3,607 |
| Noninterest expense to average assets | 2.4388% | 3,919 |
| Loan and lease loss provision to assets | 0.1643% | 1,234 |
| Net operating income to assets | 2.2401% | 197 |
| Return on assets (ROA) | 2.2401% | 197 |
| Pretax return on assets | 2.2401% | 327 |
| Return on Equity (ROE) | 19.8839% | 228 |
| Retained earnings to average equity (ytd only) | 5.4662% | 2,560 |
| Net charge-offs to loans | 0.0012% | 3,744 |
| Credit loss provision to net charge-offs | 15,750.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,302.5655% | 31 |
| Efficiency ratio | 50.3553% | 5,224 |
| Assets per employee ($millions) | 4.3890% | 3,328 |
| Cash dividends to net income (ytd only)* | 72.5093% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,903 |
| Loan loss allowance to noncurrent loans | 585.6566% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,248 |
| Noncurrent loans to loans | 0.2059% | 4,253 |
| Net loans and leases to total assets | 88.7345% | 125 |
| Net loans and leases to deposits | 122.4200% | 75 |
| Net loans and leases to core deposits | 136.7804% | 248 |
| Total domestic deposits to total assets | 72.4836% | 5,348 |
| Equity capital to assets | 11.0665% | 2,800 |
| Core capital (leverage) ratio | 11.4509% | 2,055 |
| Tier 1 risk-based capital ratio | 14.3178% | 3,289 |
| Total risk-based capital ratio | 15.5694% | 3,191 |
| Memoranda: | ||
| Average total assets | $255,692,000 | 2,468 |
| Average earning assets | $244,381,250 | 2,404 |
| Average equity | $28,806,500 | 2,458 |
| Average total loans | $229,385,750 | 1,952 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2151% | 386 |
| Cost of funding earning assets | 0.5784% | 1,586 |
| Net interest margin | 4.6366% | 444 |
| Noninterest income to average assets | 0.4649% | 3,253 |
| Noninterest expense to average assets | 2.3903% | 4,072 |
| Loan and lease loss provision to assets | 0.1669% | 1,192 |
| Net operating income to assets | 2.3347% | 163 |
| Return on assets (ROA) | 2.3347% | 161 |
| Pretax return on assets | 2.3347% | 278 |
| Return on Equity (ROE) | 20.5939% | 197 |
| Retained earnings to average equity (ytd only) | 3.7010% | 3,494 |
| Net charge-offs to loans | 0.0044% | 3,330 |
| Credit loss provision to net charge-offs | 4,200.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 629.6000% | 123 |
| Efficiency ratio | 48.8629% | 5,362 |
| Assets per employee ($millions) | 4.0943% | 3,798 |
| Cash dividends to net income (ytd only)* | 82.0286% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,955 |
| Loan loss allowance to noncurrent loans | 575.4639% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,317 |
| Noncurrent loans to loans | 0.2104% | 4,280 |
| Net loans and leases to total assets | 88.3020% | 132 |
| Net loans and leases to deposits | 120.6438% | 92 |
| Net loans and leases to core deposits | 138.5823% | 197 |
| Total domestic deposits to total assets | 73.1923% | 5,370 |
| Equity capital to assets | 11.2642% | 2,532 |
| Core capital (leverage) ratio | 11.5848% | 1,912 |
| Tier 1 risk-based capital ratio | 14.5250% | 3,152 |
| Total risk-based capital ratio | 15.7767% | 3,078 |
| Memoranda: | ||
| Average total assets | $251,680,000 | 2,504 |
| Average earning assets | $240,303,670 | 2,445 |
| Average equity | $28,532,670 | 2,465 |
| Average total loans | $225,692,330 | 1,972 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 342 |
| Cost of funding earning assets | 0.5520% | 1,703 |
| Net interest margin | 4.7093% | 369 |
| Noninterest income to average assets | 0.5520% | 2,652 |
| Noninterest expense to average assets | 2.4269% | 4,041 |
| Loan and lease loss provision to assets | 0.1690% | 1,054 |
| Net operating income to assets | 2.4462% | 151 |
| Return on assets (ROA) | 2.4462% | 156 |
| Pretax return on assets | 2.4462% | 239 |
| Return on Equity (ROE) | 21.5058% | 167 |
| Retained earnings to average equity (ytd only) | -2.5467% | 5,227 |
| Net charge-offs to loans | 0.0358% | 2,071 |
| Credit loss provision to net charge-offs | 525.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 81.2500% | 646 |
| Efficiency ratio | 48.1328% | 5,462 |
| Assets per employee ($millions) | 4.0254% | 3,971 |
| Cash dividends to net income (ytd only)* | 111.8421% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,278 |
| Loan loss allowance to noncurrent loans | 596.2054% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,510 |
| Noncurrent loans to loans | 0.1972% | 4,413 |
| Net loans and leases to total assets | 88.5096% | 94 |
| Net loans and leases to deposits | 123.1243% | 68 |
| Net loans and leases to core deposits | 135.6141% | 206 |
| Total domestic deposits to total assets | 71.8864% | 5,544 |
| Equity capital to assets | 11.1253% | 2,511 |
| Core capital (leverage) ratio | 11.4431% | 1,990 |
| Tier 1 risk-based capital ratio | 14.3243% | 3,302 |
| Total risk-based capital ratio | 15.5754% | 3,218 |
| Memoranda: | ||
| Average total assets | $248,549,500 | 2,556 |
| Average earning assets | $236,976,000 | 2,492 |
| Average equity | $28,271,500 | 2,491 |
| Average total loans | $223,259,500 | 1,999 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 370 |
| Cost of funding earning assets | 0.4830% | 2,229 |
| Net interest margin | 4.7905% | 357 |
| Noninterest income to average assets | 0.1603% | 5,410 |
| Noninterest expense to average assets | 2.4720% | 4,100 |
| Loan and lease loss provision to assets | 0.1430% | 1,750 |
| Net operating income to assets | 2.1132% | 260 |
| Return on assets (ROA) | 2.1587% | 250 |
| Pretax return on assets | 2.1587% | 355 |
| Return on Equity (ROE) | 18.4434% | 294 |
| Retained earnings to average equity (ytd only) | 10.8543% | 321 |
| Net charge-offs to loans | 0.0096% | 3,944 |
| Credit loss provision to net charge-offs | 1,650.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 260.3500% | 277 |
| Efficiency ratio | 52.2819% | 5,359 |
| Assets per employee ($millions) | 3.8650% | 4,198 |
| Cash dividends to net income (ytd only)* | 41.1481% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,246 |
| Loan loss allowance to noncurrent loans | 472.7605% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 3,461 |
| Noncurrent loans to loans | 0.2493% | 4,262 |
| Net loans and leases to total assets | 89.0360% | 93 |
| Net loans and leases to deposits | 122.1823% | 72 |
| Net loans and leases to core deposits | 139.6829% | 175 |
| Total domestic deposits to total assets | 72.8714% | 5,506 |
| Equity capital to assets | 11.6343% | 2,056 |
| Core capital (leverage) ratio | 12.1617% | 1,504 |
| Tier 1 risk-based capital ratio | 15.4588% | 2,763 |
| Total risk-based capital ratio | 16.7107% | 2,699 |
| Memoranda: | ||
| Average total assets | $230,787,400 | 2,659 |
| Average earning assets | $220,062,800 | 2,599 |
| Average equity | $27,012,400 | 2,568 |
| Average total loans | $208,962,000 | 2,051 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 359 |
| Cost of funding earning assets | 0.4834% | 2,227 |
| Net interest margin | 4.8335% | 342 |
| Noninterest income to average assets | 0.2443% | 5,013 |
| Noninterest expense to average assets | 2.4480% | 4,140 |
| Loan and lease loss provision to assets | 0.1318% | 1,779 |
| Net operating income to assets | 2.2740% | 216 |
| Return on assets (ROA) | 2.3355% | 214 |
| Pretax return on assets | 2.3355% | 292 |
| Return on Equity (ROE) | 19.9221% | 241 |
| Retained earnings to average equity (ytd only) | 9.6787% | 645 |
| Net charge-offs to loans | 0.0084% | 3,633 |
| Credit loss provision to net charge-offs | 1,730.7692% | 269 |
| Earnings coverage of net charge-offs (x) | 315.9758% | 264 |
| Efficiency ratio | 50.4345% | 5,474 |
| Assets per employee ($millions) | 3.6668% | 4,545 |
| Cash dividends to net income (ytd only)* | 51.4172% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,279 |
| Loan loss allowance to noncurrent loans | 453.1876% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,239 |
| Noncurrent loans to loans | 0.2634% | 4,316 |
| Net loans and leases to total assets | 89.1506% | 92 |
| Net loans and leases to deposits | 121.8673% | 95 |
| Net loans and leases to core deposits | 133.8894% | 250 |
| Total domestic deposits to total assets | 73.1539% | 5,508 |
| Equity capital to assets | 11.9588% | 2,153 |
| Core capital (leverage) ratio | 12.0567% | 1,638 |
| Tier 1 risk-based capital ratio | 15.6239% | 2,778 |
| Total risk-based capital ratio | 16.8759% | 2,710 |
| Memoranda: | ||
| Average total assets | $227,610,250 | 2,697 |
| Average earning assets | $217,064,750 | 2,637 |
| Average equity | $26,683,250 | 2,610 |
| Average total loans | $206,356,250 | 2,077 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 357 |
| Cost of funding earning assets | 0.4787% | 2,281 |
| Net interest margin | 4.8255% | 352 |
| Noninterest income to average assets | 0.2384% | 5,060 |
| Noninterest expense to average assets | 2.3181% | 4,556 |
| Loan and lease loss provision to assets | 0.1325% | 1,728 |
| Net operating income to assets | 2.3994% | 171 |
| Return on assets (ROA) | 2.4656% | 164 |
| Pretax return on assets | 2.4656% | 231 |
| Return on Equity (ROE) | 21.1764% | 186 |
| Retained earnings to average equity (ytd only) | 11.1267% | 427 |
| Net charge-offs to loans | 0.0136% | 3,268 |
| Credit loss provision to net charge-offs | 1,071.4286% | 353 |
| Earnings coverage of net charge-offs (x) | 204.7857% | 322 |
| Efficiency ratio | 47.7968% | 5,678 |
| Assets per employee ($millions) | 3.7308% | 4,392 |
| Cash dividends to net income (ytd only)* | 47.4570% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,634 |
| Loan loss allowance to noncurrent loans | 380.4416% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 3,192 |
| Noncurrent loans to loans | 0.3027% | 4,287 |
| Net loans and leases to total assets | 89.5002% | 82 |
| Net loans and leases to deposits | 123.8622% | 77 |
| Net loans and leases to core deposits | 134.2398% | 249 |
| Total domestic deposits to total assets | 72.2579% | 5,657 |
| Equity capital to assets | 11.7631% | 2,301 |
| Core capital (leverage) ratio | 11.8748% | 1,718 |
| Tier 1 risk-based capital ratio | 15.3949% | 2,904 |
| Total risk-based capital ratio | 16.6466% | 2,836 |
| Memoranda: | ||
| Average total assets | $226,477,330 | 2,717 |
| Average earning assets | $216,433,000 | 2,653 |
| Average equity | $26,369,000 | 2,636 |
| Average total loans | $205,663,670 | 2,091 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 438 |
| Cost of funding earning assets | 0.4727% | 2,347 |
| Net interest margin | 4.6974% | 422 |
| Noninterest income to average assets | 0.1982% | 5,319 |
| Noninterest expense to average assets | 2.3654% | 4,472 |
| Loan and lease loss provision to assets | 0.1339% | 1,575 |
| Net operating income to assets | 2.1869% | 234 |
| Return on assets (ROA) | 2.2440% | 230 |
| Pretax return on assets | 2.2440% | 349 |
| Return on Equity (ROE) | 19.3765% | 273 |
| Retained earnings to average equity (ytd only) | 9.8963% | 870 |
| Net charge-offs to loans | -0.0039% | 4,228 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4762% | 5,602 |
| Assets per employee ($millions) | 4.0003% | 3,939 |
| Cash dividends to net income (ytd only)* | 48.9260% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,782.5758% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 3,916 |
| Noncurrent loans to loans | 0.0647% | 5,220 |
| Net loans and leases to total assets | 90.0615% | 60 |
| Net loans and leases to deposits | 123.3843% | 75 |
| Net loans and leases to core deposits | 134.8616% | 220 |
| Total domestic deposits to total assets | 72.9927% | 5,707 |
| Equity capital to assets | 11.7527% | 2,198 |
| Core capital (leverage) ratio | 11.7758% | 1,774 |
| Tier 1 risk-based capital ratio | 14.3409% | 3,473 |
| Total risk-based capital ratio | 15.5915% | 3,401 |
| Memoranda: | ||
| Average total assets | $224,061,500 | 2,749 |
| Average earning assets | $214,075,000 | 2,684 |
| Average equity | $25,949,000 | 2,664 |
| Average total loans | $203,778,500 | 2,110 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 356 |
| Cost of funding earning assets | 0.4355% | 2,781 |
| Net interest margin | 4.8883% | 307 |
| Noninterest income to average assets | 0.2442% | 5,134 |
| Noninterest expense to average assets | 2.5181% | 4,168 |
| Loan and lease loss provision to assets | 0.1377% | 1,719 |
| Net operating income to assets | 2.2473% | 226 |
| Return on assets (ROA) | 2.3597% | 192 |
| Pretax return on assets | 2.3597% | 268 |
| Return on Equity (ROE) | 20.8487% | 206 |
| Retained earnings to average equity (ytd only) | 8.8830% | 681 |
| Net charge-offs to loans | -0.0057% | 4,997 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3577% | 5,676 |
| Assets per employee ($millions) | 4.0747% | 3,805 |
| Cash dividends to net income (ytd only)* | 57.3930% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,942 |
| Loan loss allowance to noncurrent loans | 2,955.8442% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 3,968 |
| Noncurrent loans to loans | 0.0378% | 5,368 |
| Net loans and leases to total assets | 89.7678% | 69 |
| Net loans and leases to deposits | 120.6223% | 97 |
| Net loans and leases to core deposits | 128.6335% | 289 |
| Total domestic deposits to total assets | 74.4206% | 5,607 |
| Equity capital to assets | 11.4098% | 2,438 |
| Core capital (leverage) ratio | 11.5199% | 1,950 |
| Tier 1 risk-based capital ratio | 14.1648% | 3,628 |
| Total risk-based capital ratio | 15.4149% | 3,541 |
| Memoranda: | ||
| Average total assets | $217,821,600 | 2,767 |
| Average earning assets | $207,596,000 | 2,698 |
| Average equity | $24,653,800 | 2,729 |
| Average total loans | $194,020,000 | 2,131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 400 |
| Cost of funding earning assets | 0.4344% | 2,859 |
| Net interest margin | 4.8238% | 361 |
| Noninterest income to average assets | 0.2608% | 5,074 |
| Noninterest expense to average assets | 2.5303% | 4,103 |
| Loan and lease loss provision to assets | 0.1295% | 1,744 |
| Net operating income to assets | 2.1949% | 266 |
| Return on assets (ROA) | 2.3460% | 212 |
| Pretax return on assets | 2.3460% | 319 |
| Return on Equity (ROE) | 20.7708% | 231 |
| Retained earnings to average equity (ytd only) | 10.1261% | 612 |
| Net charge-offs to loans | -0.0090% | 4,956 |
| Credit loss provision to net charge-offs | -1,615.3846% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1209% | 5,649 |
| Assets per employee ($millions) | 3.8510% | 4,176 |
| Cash dividends to net income (ytd only)* | 51.2484% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,289 |
| Loan loss allowance to noncurrent loans | 2,805.1282% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 4,053 |
| Noncurrent loans to loans | 0.0388% | 5,460 |
| Net loans and leases to total assets | 90.4891% | 51 |
| Net loans and leases to deposits | 117.4937% | 130 |
| Net loans and leases to core deposits | 124.6268% | 360 |
| Total domestic deposits to total assets | 77.0161% | 5,337 |
| Equity capital to assets | 11.5382% | 2,473 |
| Core capital (leverage) ratio | 11.7042% | 1,883 |
| Tier 1 risk-based capital ratio | 13.9873% | 3,855 |
| Total risk-based capital ratio | 15.1957% | 3,819 |
| Memoranda: | ||
| Average total assets | $216,250,500 | 2,800 |
| Average earning assets | $205,945,000 | 2,732 |
| Average equity | $24,424,750 | 2,763 |
| Average total loans | $191,662,250 | 2,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 426 |
| Cost of funding earning assets | 0.4283% | 2,948 |
| Net interest margin | 4.7716% | 382 |
| Noninterest income to average assets | 0.2658% | 5,051 |
| Noninterest expense to average assets | 2.5060% | 4,225 |
| Loan and lease loss provision to assets | 0.1115% | 1,973 |
| Net operating income to assets | 2.1946% | 259 |
| Return on assets (ROA) | 2.4130% | 198 |
| Pretax return on assets | 2.4130% | 276 |
| Return on Equity (ROE) | 21.5221% | 210 |
| Retained earnings to average equity (ytd only) | 10.7445% | 538 |
| Net charge-offs to loans | -0.0106% | 4,935 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0765% | 5,705 |
| Assets per employee ($millions) | 3.7542% | 4,319 |
| Cash dividends to net income (ytd only)* | 50.0770% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 4,420 |
| Loan loss allowance to noncurrent loans | 2,992.8571% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 4,197 |
| Noncurrent loans to loans | 0.0362% | 5,603 |
| Net loans and leases to total assets | 87.8512% | 147 |
| Net loans and leases to deposits | 119.5079% | 100 |
| Net loans and leases to core deposits | 127.2344% | 323 |
| Total domestic deposits to total assets | 73.5107% | 5,834 |
| Equity capital to assets | 11.3222% | 2,556 |
| Core capital (leverage) ratio | 11.4520% | 2,032 |
| Tier 1 risk-based capital ratio | 14.2130% | 3,808 |
| Total risk-based capital ratio | 15.4159% | 3,762 |
| Memoranda: | ||
| Average total assets | $215,165,330 | 2,833 |
| Average earning assets | $205,004,670 | 2,756 |
| Average equity | $24,124,000 | 2,799 |
| Average total loans | $188,610,670 | 2,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 416 |
| Cost of funding earning assets | 0.4197% | 3,080 |
| Net interest margin | 4.7618% | 375 |
| Noninterest income to average assets | 0.2618% | 5,082 |
| Noninterest expense to average assets | 2.5042% | 4,248 |
| Loan and lease loss provision to assets | 0.2244% | 781 |
| Net operating income to assets | 2.0741% | 297 |
| Return on assets (ROA) | 2.5136% | 160 |
| Pretax return on assets | 2.5136% | 235 |
| Return on Equity (ROE) | 22.5319% | 166 |
| Retained earnings to average equity (ytd only) | 11.6348% | 623 |
| Net charge-offs to loans | -0.0107% | 4,746 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1417% | 5,801 |
| Assets per employee ($millions) | 3.8848% | 4,196 |
| Cash dividends to net income (ytd only)* | 48.3631% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 4,440 |
| Loan loss allowance to noncurrent loans | 12,294.1176% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,342 |
| Noncurrent loans to loans | 0.0091% | 5,775 |
| Net loans and leases to total assets | 86.9172% | 146 |
| Net loans and leases to deposits | 118.8180% | 98 |
| Net loans and leases to core deposits | 125.2075% | 307 |
| Total domestic deposits to total assets | 73.1515% | 5,967 |
| Equity capital to assets | 11.3516% | 2,596 |
| Core capital (leverage) ratio | 11.4069% | 2,076 |
| Tier 1 risk-based capital ratio | 14.2507% | 3,849 |
| Total risk-based capital ratio | 15.4829% | 3,787 |
| Memoranda: | ||
| Average total assets | $213,877,500 | 2,862 |
| Average earning assets | $203,958,000 | 2,794 |
| Average equity | $23,859,500 | 2,845 |
| Average total loans | $186,224,500 | 2,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 655 |
| Cost of funding earning assets | 0.4674% | 3,000 |
| Net interest margin | 4.6197% | 599 |
| Noninterest income to average assets | 0.3139% | 4,876 |
| Noninterest expense to average assets | 2.4528% | 4,697 |
| Loan and lease loss provision to assets | 0.1208% | 2,160 |
| Net operating income to assets | 2.1260% | 256 |
| Return on assets (ROA) | 2.1260% | 262 |
| Pretax return on assets | 2.1260% | 385 |
| Return on Equity (ROE) | 20.2098% | 242 |
| Retained earnings to average equity (ytd only) | 9.0424% | 697 |
| Net charge-offs to loans | 0.0360% | 4,116 |
| Credit loss provision to net charge-offs | 390.7692% | 666 |
| Earnings coverage of net charge-offs (x) | 72.6769% | 690 |
| Efficiency ratio | 52.1911% | 5,966 |
| Assets per employee ($millions) | 3.8231% | 4,304 |
| Cash dividends to net income (ytd only)* | 55.2573% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 4,736 |
| Loan loss allowance to noncurrent loans | 11,558.8235% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 4,388 |
| Noncurrent loans to loans | 0.0092% | 5,886 |
| Net loans and leases to total assets | 85.3297% | 252 |
| Net loans and leases to deposits | 109.3857% | 256 |
| Net loans and leases to core deposits | 114.8854% | 560 |
| Total domestic deposits to total assets | 78.0082% | 5,438 |
| Equity capital to assets | 10.9602% | 2,932 |
| Core capital (leverage) ratio | 11.0953% | 2,320 |
| Tier 1 risk-based capital ratio | 13.6590% | 4,319 |
| Total risk-based capital ratio | 14.8025% | 4,315 |
| Memoranda: | ||
| Average total assets | $210,253,000 | 2,874 |
| Average earning assets | $199,600,600 | 2,811 |
| Average equity | $22,118,000 | 2,936 |
| Average total loans | $180,642,200 | 2,217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 662 |
| Cost of funding earning assets | 0.4749% | 3,006 |
| Net interest margin | 4.6133% | 602 |
| Noninterest income to average assets | 0.3319% | 4,781 |
| Noninterest expense to average assets | 2.4170% | 4,772 |
| Loan and lease loss provision to assets | 0.1618% | 1,541 |
| Net operating income to assets | 2.1284% | 270 |
| Return on assets (ROA) | 2.1284% | 281 |
| Pretax return on assets | 2.1284% | 427 |
| Return on Equity (ROE) | 20.4514% | 254 |
| Retained earnings to average equity (ytd only) | 11.4530% | 464 |
| Net charge-offs to loans | 0.0341% | 3,802 |
| Credit loss provision to net charge-offs | 552.1739% | 525 |
| Earnings coverage of net charge-offs (x) | 78.1544% | 715 |
| Efficiency ratio | 51.3466% | 6,033 |
| Assets per employee ($millions) | 3.9143% | 4,053 |
| Cash dividends to net income (ytd only)* | 43.9987% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,921 |
| Loan loss allowance to noncurrent loans | 958.4541% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 4,336 |
| Noncurrent loans to loans | 0.1111% | 5,595 |
| Net loans and leases to total assets | 85.6411% | 212 |
| Net loans and leases to deposits | 115.3606% | 138 |
| Net loans and leases to core deposits | 120.6540% | 384 |
| Total domestic deposits to total assets | 74.2378% | 5,997 |
| Equity capital to assets | 10.6299% | 3,398 |
| Core capital (leverage) ratio | 10.9366% | 2,551 |
| Tier 1 risk-based capital ratio | 13.4338% | 4,585 |
| Total risk-based capital ratio | 14.5756% | 4,595 |
| Memoranda: | ||
| Average total assets | $209,293,000 | 2,908 |
| Average earning assets | $198,492,500 | 2,847 |
| Average equity | $21,781,250 | 2,972 |
| Average total loans | $179,640,250 | 2,245 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 816 |
| Cost of funding earning assets | 0.4786% | 3,039 |
| Net interest margin | 4.4710% | 747 |
| Noninterest income to average assets | 0.3907% | 4,307 |
| Noninterest expense to average assets | 2.4004% | 4,878 |
| Loan and lease loss provision to assets | 0.2316% | 986 |
| Net operating income to assets | 1.9952% | 341 |
| Return on assets (ROA) | 1.9952% | 352 |
| Pretax return on assets | 1.9952% | 562 |
| Return on Equity (ROE) | 19.3151% | 331 |
| Retained earnings to average equity (ytd only) | 10.3954% | 636 |
| Net charge-offs to loans | 0.0552% | 3,171 |
| Credit loss provision to net charge-offs | 489.7959% | 602 |
| Earnings coverage of net charge-offs (x) | 47.1020% | 949 |
| Efficiency ratio | 51.8766% | 6,076 |
| Assets per employee ($millions) | 3.9426% | 3,965 |
| Cash dividends to net income (ytd only)* | 46.1799% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 4,992 |
| Loan loss allowance to noncurrent loans | 5,785.2941% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 4,519 |
| Noncurrent loans to loans | 0.0186% | 6,019 |
| Net loans and leases to total assets | 84.7258% | 253 |
| Net loans and leases to deposits | 117.2742% | 110 |
| Net loans and leases to core deposits | 122.7446% | 324 |
| Total domestic deposits to total assets | 72.2459% | 6,235 |
| Equity capital to assets | 10.3606% | 3,607 |
| Core capital (leverage) ratio | 10.7371% | 2,679 |
| Tier 1 risk-based capital ratio | 13.2096% | 4,781 |
| Total risk-based capital ratio | 14.3600% | 4,775 |
| Memoranda: | ||
| Average total assets | $207,294,670 | 2,949 |
| Average earning assets | $196,419,670 | 2,878 |
| Average equity | $21,413,330 | 3,007 |
| Average total loans | $177,400,670 | 2,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 969 |
| Cost of funding earning assets | 0.4630% | 3,283 |
| Net interest margin | 4.3768% | 845 |
| Noninterest income to average assets | 0.2543% | 5,329 |
| Noninterest expense to average assets | 2.4021% | 4,919 |
| Loan and lease loss provision to assets | 0.2934% | 664 |
| Net operating income to assets | 1.7194% | 553 |
| Return on assets (ROA) | 1.7194% | 573 |
| Pretax return on assets | 1.7194% | 937 |
| Return on Equity (ROE) | 16.6706% | 568 |
| Retained earnings to average equity (ytd only) | 16.3861% | 252 |
| Net charge-offs to loans | 0.0503% | 2,677 |
| Credit loss provision to net charge-offs | 681.8182% | 413 |
| Earnings coverage of net charge-offs (x) | 46.7727% | 793 |
| Efficiency ratio | 54.4085% | 5,981 |
| Assets per employee ($millions) | 3.7708% | 4,379 |
| Cash dividends to net income (ytd only)* | 1.7065% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 5,176 |
| Loan loss allowance to noncurrent loans | 234.4828% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 4,584 |
| Noncurrent loans to loans | 0.4630% | 4,765 |
| Net loans and leases to total assets | 85.1890% | 180 |
| Net loans and leases to deposits | 118.3624% | 82 |
| Net loans and leases to core deposits | 123.3238% | 273 |
| Total domestic deposits to total assets | 71.9730% | 6,363 |
| Equity capital to assets | 10.6200% | 3,114 |
| Core capital (leverage) ratio | 10.9667% | 2,418 |
| Tier 1 risk-based capital ratio | 13.9803% | 4,349 |
| Total risk-based capital ratio | 15.1720% | 4,322 |
| Memoranda: | ||
| Average total assets | $204,491,000 | 3,004 |
| Average earning assets | $194,389,500 | 2,914 |
| Average equity | $21,091,000 | 3,040 |
| Average total loans | $174,926,000 | 2,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 750 |
| Cost of funding earning assets | 0.4591% | 4,031 |
| Net interest margin | 4.6562% | 545 |
| Noninterest income to average assets | 0.2587% | 5,497 |
| Noninterest expense to average assets | 2.6847% | 4,146 |
| Loan and lease loss provision to assets | 0.3247% | 1,007 |
| Net operating income to assets | 1.6565% | 625 |
| Return on assets (ROA) | 1.6933% | 596 |
| Pretax return on assets | 1.6933% | 969 |
| Return on Equity (ROE) | 15.9992% | 620 |
| Retained earnings to average equity (ytd only) | 12.1132% | 309 |
| Net charge-offs to loans | 0.0163% | 5,116 |
| Credit loss provision to net charge-offs | 2,307.6923% | 104 |
| Earnings coverage of net charge-offs (x) | 140.8077% | 324 |
| Efficiency ratio | 57.5389% | 5,787 |
| Assets per employee ($millions) | 3.8029% | 4,256 |
| Cash dividends to net income (ytd only)* | 24.2889% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 5,473 |
| Loan loss allowance to noncurrent loans | 183.6608% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 4,594 |
| Noncurrent loans to loans | 0.5542% | 4,604 |
| Net loans and leases to total assets | 84.1004% | 249 |
| Net loans and leases to deposits | 111.2804% | 153 |
| Net loans and leases to core deposits | 115.2941% | 436 |
| Total domestic deposits to total assets | 75.5752% | 6,131 |
| Equity capital to assets | 10.0104% | 3,758 |
| Core capital (leverage) ratio | 10.8177% | 2,557 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,674 |
| Total risk-based capital ratio | 14.5756% | 4,710 |
| Memoranda: | ||
| Average total assets | $184,788,800 | 3,222 |
| Average earning assets | $174,908,400 | 3,150 |
| Average equity | $19,557,200 | 3,204 |
| Average total loans | $159,585,200 | 2,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 792 |
| Cost of funding earning assets | 0.4681% | 4,080 |
| Net interest margin | 4.6172% | 597 |
| Noninterest income to average assets | 0.2664% | 5,544 |
| Noninterest expense to average assets | 2.6132% | 4,346 |
| Loan and lease loss provision to assets | 0.3340% | 986 |
| Net operating income to assets | 1.6825% | 638 |
| Return on assets (ROA) | 1.7330% | 621 |
| Pretax return on assets | 1.7330% | 1,030 |
| Return on Equity (ROE) | 16.1248% | 635 |
| Retained earnings to average equity (ytd only) | 10.9455% | 586 |
| Net charge-offs to loans | 0.0180% | 4,770 |
| Credit loss provision to net charge-offs | 2,142.8571% | 151 |
| Earnings coverage of net charge-offs (x) | 129.3779% | 413 |
| Efficiency ratio | 56.4444% | 5,854 |
| Assets per employee ($millions) | 3.5326% | 4,782 |
| Cash dividends to net income (ytd only)* | 32.1200% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 5,796 |
| Loan loss allowance to noncurrent loans | 167.7984% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,693 |
| Noncurrent loans to loans | 0.5853% | 4,737 |
| Net loans and leases to total assets | 86.2043% | 143 |
| Net loans and leases to deposits | 111.5486% | 135 |
| Net loans and leases to core deposits | 115.5955% | 405 |
| Total domestic deposits to total assets | 77.2795% | 6,004 |
| Equity capital to assets | 10.4518% | 3,338 |
| Core capital (leverage) ratio | 11.1781% | 2,321 |
| Tier 1 risk-based capital ratio | 13.8242% | 4,554 |
| Total risk-based capital ratio | 14.9140% | 4,606 |
| Memoranda: | ||
| Average total assets | $179,646,750 | 3,300 |
| Average earning assets | $169,767,000 | 3,248 |
| Average equity | $19,307,250 | 3,273 |
| Average total loans | $155,861,000 | 2,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 835 |
| Cost of funding earning assets | 0.4751% | 4,145 |
| Net interest margin | 4.5811% | 616 |
| Noninterest income to average assets | 0.2637% | 5,568 |
| Noninterest expense to average assets | 2.6577% | 4,192 |
| Loan and lease loss provision to assets | 0.3410% | 988 |
| Net operating income to assets | 1.5948% | 755 |
| Return on assets (ROA) | 1.6721% | 720 |
| Pretax return on assets | 1.6721% | 1,180 |
| Return on Equity (ROE) | 15.4056% | 747 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,649 |
| Net charge-offs to loans | 0.0249% | 4,350 |
| Credit loss provision to net charge-offs | 1,578.9474% | 204 |
| Earnings coverage of net charge-offs (x) | 89.6316% | 509 |
| Efficiency ratio | 57.8570% | 5,756 |
| Assets per employee ($millions) | 3.2585% | 5,359 |
| Cash dividends to net income (ytd only)* | 50.9857% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,050 |
| Loan loss allowance to noncurrent loans | 590.8367% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,853 |
| Noncurrent loans to loans | 0.1575% | 5,929 |
| Net loans and leases to total assets | 86.5379% | 130 |
| Net loans and leases to deposits | 112.0732% | 112 |
| Net loans and leases to core deposits | 114.9088% | 421 |
| Total domestic deposits to total assets | 77.2155% | 6,097 |
| Equity capital to assets | 10.5845% | 3,190 |
| Core capital (leverage) ratio | 11.3962% | 2,023 |
| Tier 1 risk-based capital ratio | 13.7114% | 4,635 |
| Total risk-based capital ratio | 14.7370% | 4,734 |
| Memoranda: | ||
| Average total assets | $175,941,670 | 3,360 |
| Average earning assets | $166,290,670 | 3,310 |
| Average equity | $19,097,000 | 3,319 |
| Average total loans | $152,456,000 | 2,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 860 |
| Cost of funding earning assets | 0.5106% | 3,965 |
| Net interest margin | 4.5092% | 673 |
| Noninterest income to average assets | 0.2455% | 5,703 |
| Noninterest expense to average assets | 2.8215% | 3,626 |
| Loan and lease loss provision to assets | 0.3475% | 947 |
| Net operating income to assets | 1.3320% | 1,202 |
| Return on assets (ROA) | 1.3320% | 1,301 |
| Pretax return on assets | 1.3320% | 2,115 |
| Return on Equity (ROE) | 12.1126% | 1,389 |
| Retained earnings to average equity (ytd only) | -3.6864% | 6,253 |
| Net charge-offs to loans | -0.0322% | 5,926 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6866% | 5,204 |
| Assets per employee ($millions) | 3.0382% | 5,915 |
| Cash dividends to net income (ytd only)* | 130.4348% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 6,200 |
| Loan loss allowance to noncurrent loans | 721.6931% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 6,024 |
| Noncurrent loans to loans | 0.1280% | 6,086 |
| Net loans and leases to total assets | 86.0008% | 123 |
| Net loans and leases to deposits | 107.6682% | 165 |
| Net loans and leases to core deposits | 110.5019% | 485 |
| Total domestic deposits to total assets | 79.8757% | 5,780 |
| Equity capital to assets | 11.0775% | 2,872 |
| Core capital (leverage) ratio | 11.0229% | 2,244 |
| Tier 1 risk-based capital ratio | 14.1374% | 4,402 |
| Total risk-based capital ratio | 15.1561% | 4,533 |
| Memoranda: | ||
| Average total assets | $172,675,000 | 3,455 |
| Average earning assets | $162,954,500 | 3,389 |
| Average equity | $18,988,500 | 3,380 |
| Average total loans | $148,987,500 | 2,594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 815 |
| Cost of funding earning assets | 0.6713% | 3,731 |
| Net interest margin | 4.6871% | 666 |
| Noninterest income to average assets | 0.2738% | 5,504 |
| Noninterest expense to average assets | 2.7617% | 4,177 |
| Loan and lease loss provision to assets | 0.2607% | 2,561 |
| Net operating income to assets | 1.6723% | 652 |
| Return on assets (ROA) | 1.9318% | 446 |
| Pretax return on assets | 1.9318% | 694 |
| Return on Equity (ROE) | 17.1901% | 515 |
| Retained earnings to average equity (ytd only) | 9.7606% | 644 |
| Net charge-offs to loans | 0.0621% | 5,074 |
| Credit loss provision to net charge-offs | 488.3721% | 499 |
| Earnings coverage of net charge-offs (x) | 36.2093% | 869 |
| Efficiency ratio | 58.8259% | 5,722 |
| Assets per employee ($millions) | 3.3695% | 5,284 |
| Cash dividends to net income (ytd only)* | 43.2198% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 6,489 |
| Loan loss allowance to noncurrent loans | 2,267.9245% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 6,339 |
| Noncurrent loans to loans | 0.0353% | 6,418 |
| Net loans and leases to total assets | 85.0906% | 167 |
| Net loans and leases to deposits | 103.7581% | 271 |
| Net loans and leases to core deposits | 106.3433% | 677 |
| Total domestic deposits to total assets | 82.0087% | 5,091 |
| Equity capital to assets | 10.9182% | 3,048 |
| Core capital (leverage) ratio | 11.6176% | 1,793 |
| Tier 1 risk-based capital ratio | 13.8664% | 4,480 |
| Total risk-based capital ratio | 14.7389% | 4,716 |
| Memoranda: | ||
| Average total assets | $161,095,000 | 3,610 |
| Average earning assets | $151,949,600 | 3,511 |
| Average equity | $18,103,400 | 3,451 |
| Average total loans | $138,471,600 | 2,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 983 |
| Cost of funding earning assets | 0.7157% | 3,628 |
| Net interest margin | 4.5994% | 820 |
| Noninterest income to average assets | 0.2843% | 5,511 |
| Noninterest expense to average assets | 2.7298% | 4,251 |
| Loan and lease loss provision to assets | 0.2539% | 2,541 |
| Net operating income to assets | 1.6458% | 767 |
| Return on assets (ROA) | 1.9995% | 434 |
| Pretax return on assets | 1.9995% | 705 |
| Return on Equity (ROE) | 17.6536% | 539 |
| Retained earnings to average equity (ytd only) | 7.6053% | 1,794 |
| Net charge-offs to loans | 0.0826% | 4,570 |
| Credit loss provision to net charge-offs | 357.1429% | 751 |
| Earnings coverage of net charge-offs (x) | 26.7255% | 1,205 |
| Efficiency ratio | 58.9655% | 5,666 |
| Assets per employee ($millions) | 3.0701% | 5,923 |
| Cash dividends to net income (ytd only)* | 56.9192% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 6,656 |
| Loan loss allowance to noncurrent loans | 2,212.2449% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 6,270 |
| Noncurrent loans to loans | 0.0348% | 6,530 |
| Net loans and leases to total assets | 87.4338% | 104 |
| Net loans and leases to deposits | 104.0244% | 280 |
| Net loans and leases to core deposits | 106.8145% | 700 |
| Total domestic deposits to total assets | 84.0513% | 4,189 |
| Equity capital to assets | 11.5188% | 2,723 |
| Core capital (leverage) ratio | 11.3202% | 2,120 |
| Tier 1 risk-based capital ratio | 14.2275% | 4,362 |
| Total risk-based capital ratio | 15.0677% | 4,637 |
| Memoranda: | ||
| Average total assets | $157,565,750 | 3,694 |
| Average earning assets | $148,857,750 | 3,610 |
| Average equity | $17,846,750 | 3,526 |
| Average total loans | $135,516,750 | 2,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 1,028 |
| Cost of funding earning assets | 0.7441% | 3,653 |
| Net interest margin | 4.5686% | 877 |
| Noninterest income to average assets | 0.2843% | 5,539 |
| Noninterest expense to average assets | 2.7283% | 4,296 |
| Loan and lease loss provision to assets | 0.2295% | 2,780 |
| Net operating income to assets | 1.6395% | 773 |
| Return on assets (ROA) | 2.1725% | 335 |
| Pretax return on assets | 2.1725% | 512 |
| Return on Equity (ROE) | 19.2913% | 395 |
| Retained earnings to average equity (ytd only) | 8.3097% | 1,520 |
| Net charge-offs to loans | 0.0822% | 4,321 |
| Credit loss provision to net charge-offs | 327.2727% | 906 |
| Earnings coverage of net charge-offs (x) | 26.6545% | 1,155 |
| Efficiency ratio | 59.3455% | 5,688 |
| Assets per employee ($millions) | 3.0684% | 5,920 |
| Cash dividends to net income (ytd only)* | 56.9249% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 6,802 |
| Loan loss allowance to noncurrent loans | 2,206.6667% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 6,288 |
| Noncurrent loans to loans | 0.0327% | 6,604 |
| Net loans and leases to total assets | 85.7069% | 152 |
| Net loans and leases to deposits | 104.1824% | 274 |
| Net loans and leases to core deposits | 106.9620% | 703 |
| Total domestic deposits to total assets | 82.2661% | 5,028 |
| Equity capital to assets | 11.3482% | 2,739 |
| Core capital (leverage) ratio | 11.5288% | 1,885 |
| Tier 1 risk-based capital ratio | 14.2232% | 4,286 |
| Total risk-based capital ratio | 15.0048% | 4,599 |
| Memoranda: | ||
| Average total assets | $156,873,330 | 3,720 |
| Average earning assets | $148,097,000 | 3,640 |
| Average equity | $17,666,000 | 3,544 |
| Average total loans | $133,800,330 | 2,856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 1,038 |
| Cost of funding earning assets | 0.7704% | 3,694 |
| Net interest margin | 4.5624% | 888 |
| Noninterest income to average assets | 0.2855% | 5,589 |
| Noninterest expense to average assets | 2.6464% | 4,636 |
| Loan and lease loss provision to assets | 0.2315% | 2,634 |
| Net operating income to assets | 1.7180% | 697 |
| Return on assets (ROA) | 1.7180% | 778 |
| Pretax return on assets | 1.7180% | 1,262 |
| Return on Equity (ROE) | 15.3163% | 919 |
| Retained earnings to average equity (ytd only) | 1.6738% | 5,394 |
| Net charge-offs to loans | 0.1608% | 3,129 |
| Credit loss provision to net charge-offs | 169.8113% | 1,504 |
| Earnings coverage of net charge-offs (x) | 14.3019% | 1,480 |
| Efficiency ratio | 57.5825% | 5,965 |
| Assets per employee ($millions) | 2.9107% | 6,325 |
| Cash dividends to net income (ytd only)* | 89.0719% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 6,906 |
| Loan loss allowance to noncurrent loans | 2,661.7647% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 6,403 |
| Noncurrent loans to loans | 0.0254% | 6,709 |
| Net loans and leases to total assets | 84.7035% | 164 |
| Net loans and leases to deposits | 108.8957% | 155 |
| Net loans and leases to core deposits | 111.5237% | 484 |
| Total domestic deposits to total assets | 77.7841% | 6,298 |
| Equity capital to assets | 11.0669% | 2,828 |
| Core capital (leverage) ratio | 11.3812% | 1,978 |
| Tier 1 risk-based capital ratio | 14.1281% | 4,376 |
| Total risk-based capital ratio | 14.8625% | 4,729 |
| Memoranda: | ||
| Average total assets | $155,530,500 | 3,771 |
| Average earning assets | $146,941,500 | 3,683 |
| Average equity | $17,445,500 | 3,582 |
| Average total loans | $131,827,500 | 2,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 1,254 |
| Cost of funding earning assets | 0.8765% | 4,277 |
| Net interest margin | 4.5888% | 944 |
| Noninterest income to average assets | 0.3384% | 5,109 |
| Noninterest expense to average assets | 3.0650% | 3,335 |
| Loan and lease loss provision to assets | 0.1246% | 5,051 |
| Net operating income to assets | 1.4927% | 837 |
| Return on assets (ROA) | 1.5363% | 834 |
| Pretax return on assets | 1.5363% | 1,377 |
| Return on Equity (ROE) | 13.3030% | 1,086 |
| Retained earnings to average equity (ytd only) | 7.3286% | 1,353 |
| Net charge-offs to loans | 0.1445% | 4,989 |
| Credit loss provision to net charge-offs | 102.2727% | 3,386 |
| Earnings coverage of net charge-offs (x) | 13.2784% | 1,553 |
| Efficiency ratio | 65.4597% | 4,872 |
| Assets per employee ($millions) | 2.9034% | 6,281 |
| Cash dividends to net income (ytd only)* | 44.9099% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 6,941 |
| Loan loss allowance to noncurrent loans | 2,345.9459% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 6,130 |
| Noncurrent loans to loans | 0.0285% | 6,754 |
| Net loans and leases to total assets | 83.6653% | 225 |
| Net loans and leases to deposits | 102.7929% | 343 |
| Net loans and leases to core deposits | 104.2917% | 885 |
| Total domestic deposits to total assets | 81.3921% | 5,328 |
| Equity capital to assets | 11.3698% | 2,619 |
| Core capital (leverage) ratio | 11.7451% | 1,738 |
| Tier 1 risk-based capital ratio | 14.5345% | 3,948 |
| Total risk-based capital ratio | 15.2622% | 4,273 |
| Memoranda: | ||
| Average total assets | $144,502,000 | 3,899 |
| Average earning assets | $136,789,600 | 3,805 |
| Average equity | $16,688,000 | 3,625 |
| Average total loans | $121,786,400 | 3,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 1,262 |
| Cost of funding earning assets | 0.8989% | 4,407 |
| Net interest margin | 4.5963% | 954 |
| Noninterest income to average assets | 0.3545% | 5,022 |
| Noninterest expense to average assets | 3.0079% | 3,530 |
| Loan and lease loss provision to assets | 0.1407% | 4,679 |
| Net operating income to assets | 1.5654% | 825 |
| Return on assets (ROA) | 1.6245% | 817 |
| Pretax return on assets | 1.6245% | 1,321 |
| Return on Equity (ROE) | 14.0075% | 1,037 |
| Retained earnings to average equity (ytd only) | 5.9443% | 2,591 |
| Net charge-offs to loans | 0.1113% | 4,897 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 18.1900% | 1,315 |
| Efficiency ratio | 63.8082% | 5,111 |
| Assets per employee ($millions) | 2.6977% | 6,653 |
| Cash dividends to net income (ytd only)* | 57.5634% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 6,925 |
| Loan loss allowance to noncurrent loans | 241.7989% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 5,665 |
| Noncurrent loans to loans | 0.3025% | 6,242 |
| Net loans and leases to total assets | 88.4331% | 69 |
| Net loans and leases to deposits | 107.2909% | 224 |
| Net loans and leases to core deposits | 110.0326% | 673 |
| Total domestic deposits to total assets | 82.4237% | 4,911 |
| Equity capital to assets | 12.0816% | 2,188 |
| Core capital (leverage) ratio | 11.9124% | 1,757 |
| Tier 1 risk-based capital ratio | 15.3077% | 3,487 |
| Total risk-based capital ratio | 16.1381% | 3,701 |
| Memoranda: | ||
| Average total assets | $142,157,250 | 3,961 |
| Average earning assets | $134,829,000 | 3,869 |
| Average equity | $16,486,000 | 3,663 |
| Average total loans | $119,829,750 | 3,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 1,552 |
| Cost of funding earning assets | 0.9089% | 4,592 |
| Net interest margin | 4.4945% | 1,144 |
| Noninterest income to average assets | 0.3824% | 4,824 |
| Noninterest expense to average assets | 2.9513% | 3,826 |
| Loan and lease loss provision to assets | 0.1681% | 4,253 |
| Net operating income to assets | 1.5366% | 824 |
| Return on assets (ROA) | 1.5366% | 878 |
| Pretax return on assets | 1.5366% | 1,415 |
| Return on Equity (ROE) | 13.4337% | 1,104 |
| Retained earnings to average equity (ytd only) | 5.8168% | 2,531 |
| Net charge-offs to loans | 0.0677% | 4,961 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 30.4250% | 909 |
| Efficiency ratio | 63.3875% | 5,349 |
| Assets per employee ($millions) | 2.8188% | 6,436 |
| Cash dividends to net income (ytd only)* | 56.7001% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 6,931 |
| Loan loss allowance to noncurrent loans | 171.3249% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 5,698 |
| Noncurrent loans to loans | 0.4461% | 6,017 |
| Net loans and leases to total assets | 85.2679% | 169 |
| Net loans and leases to deposits | 102.7795% | 356 |
| Net loans and leases to core deposits | 105.3237% | 968 |
| Total domestic deposits to total assets | 82.9620% | 4,768 |
| Equity capital to assets | 11.6026% | 2,409 |
| Core capital (leverage) ratio | 11.7900% | 1,726 |
| Tier 1 risk-based capital ratio | 15.3762% | 3,307 |
| Total risk-based capital ratio | 16.2511% | 3,470 |
| Memoranda: | ||
| Average total assets | $142,783,000 | 3,982 |
| Average earning assets | $135,767,330 | 3,863 |
| Average equity | $16,332,000 | 3,676 |
| Average total loans | $118,117,000 | 3,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 1,862 |
| Cost of funding earning assets | 0.9314% | 4,713 |
| Net interest margin | 4.3701% | 1,369 |
| Noninterest income to average assets | 0.2783% | 5,676 |
| Noninterest expense to average assets | 2.9151% | 3,999 |
| Loan and lease loss provision to assets | 0.1687% | 3,938 |
| Net operating income to assets | 1.3493% | 1,154 |
| Return on assets (ROA) | 1.3493% | 1,206 |
| Pretax return on assets | 1.3493% | 1,885 |
| Return on Equity (ROE) | 11.8827% | 1,491 |
| Retained earnings to average equity (ytd only) | 1.4358% | 5,243 |
| Net charge-offs to loans | 0.1109% | 3,863 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,246 |
| Efficiency ratio | 65.7578% | 5,072 |
| Assets per employee ($millions) | 2.7934% | 6,551 |
| Cash dividends to net income (ytd only)* | 87.9167% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 6,984 |
| Loan loss allowance to noncurrent loans | 96.1207% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 5,154 |
| Noncurrent loans to loans | 0.7949% | 5,442 |
| Net loans and leases to total assets | 81.3255% | 412 |
| Net loans and leases to deposits | 96.0839% | 685 |
| Net loans and leases to core deposits | 98.4358% | 1,479 |
| Total domestic deposits to total assets | 84.6401% | 4,210 |
| Equity capital to assets | 11.3539% | 2,376 |
| Core capital (leverage) ratio | 11.4902% | 1,850 |
| Tier 1 risk-based capital ratio | 15.6754% | 3,067 |
| Total risk-based capital ratio | 16.5400% | 3,225 |
| Memoranda: | ||
| Average total assets | $142,294,000 | 4,025 |
| Average earning assets | $135,283,500 | 3,909 |
| Average equity | $16,158,000 | 3,699 |
| Average total loans | $115,412,500 | 3,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 1,067 |
| Cost of funding earning assets | 1.1938% | 4,600 |
| Net interest margin | 4.6964% | 823 |
| Noninterest income to average assets | 0.3326% | 5,411 |
| Noninterest expense to average assets | 2.9863% | 3,902 |
| Loan and lease loss provision to assets | 0.1485% | 5,710 |
| Net operating income to assets | 1.6201% | 601 |
| Return on assets (ROA) | 1.7924% | 457 |
| Pretax return on assets | 1.7924% | 773 |
| Return on Equity (ROE) | 14.9501% | 724 |
| Retained earnings to average equity (ytd only) | 0.5512% | 5,302 |
| Net charge-offs to loans | 0.2027% | 5,074 |
| Credit loss provision to net charge-offs | 89.2857% | 5,155 |
| Earnings coverage of net charge-offs (x) | 10.6339% | 1,685 |
| Efficiency ratio | 62.8045% | 5,554 |
| Assets per employee ($millions) | 2.7868% | 6,539 |
| Cash dividends to net income (ytd only)* | 96.3132% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 7,049 |
| Loan loss allowance to noncurrent loans | 380.6167% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 6,359 |
| Noncurrent loans to loans | 0.1990% | 6,670 |
| Net loans and leases to total assets | 79.6554% | 706 |
| Net loans and leases to deposits | 93.9292% | 1,070 |
| Net loans and leases to core deposits | 96.2294% | 1,981 |
| Total domestic deposits to total assets | 84.8036% | 3,945 |
| Equity capital to assets | 11.3568% | 2,369 |
| Core capital (leverage) ratio | 11.7664% | 1,695 |
| Tier 1 risk-based capital ratio | 15.9318% | 2,784 |
| Total risk-based capital ratio | 16.7860% | 2,946 |
| Memoranda: | ||
| Average total assets | $134,682,000 | 4,165 |
| Average earning assets | $126,819,600 | 4,086 |
| Average equity | $16,147,000 | 3,732 |
| Average total loans | $110,503,600 | 3,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0201% | 901 |
| Cost of funding earning assets | 1.2684% | 4,449 |
| Net interest margin | 4.7517% | 744 |
| Noninterest income to average assets | 0.3333% | 5,496 |
| Noninterest expense to average assets | 2.9834% | 3,807 |
| Loan and lease loss provision to assets | 0.1707% | 5,336 |
| Net operating income to assets | 1.6393% | 688 |
| Return on assets (ROA) | 1.8711% | 482 |
| Pretax return on assets | 1.8711% | 811 |
| Return on Equity (ROE) | 15.3901% | 794 |
| Retained earnings to average equity (ytd only) | 0.5284% | 5,587 |
| Net charge-offs to loans | 0.1898% | 4,815 |
| Credit loss provision to net charge-offs | 108.9744% | 3,905 |
| Earnings coverage of net charge-offs (x) | 11.5580% | 1,782 |
| Efficiency ratio | 62.2408% | 5,579 |
| Assets per employee ($millions) | 2.6006% | 6,936 |
| Cash dividends to net income (ytd only)* | 96.5666% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 7,013 |
| Loan loss allowance to noncurrent loans | 435.7488% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,499 |
| Noncurrent loans to loans | 0.1831% | 6,817 |
| Net loans and leases to total assets | 84.5608% | 295 |
| Net loans and leases to deposits | 101.2312% | 570 |
| Net loans and leases to core deposits | 103.1690% | 1,555 |
| Total domestic deposits to total assets | 83.5324% | 4,360 |
| Equity capital to assets | 12.2453% | 2,009 |
| Core capital (leverage) ratio | 11.9486% | 1,700 |
| Tier 1 risk-based capital ratio | 16.1072% | 2,712 |
| Total risk-based capital ratio | 17.0102% | 2,836 |
| Memoranda: | ||
| Average total assets | $132,821,000 | 4,254 |
| Average earning assets | $124,667,750 | 4,196 |
| Average equity | $16,148,500 | 3,780 |
| Average total loans | $109,610,750 | 3,610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9740% | 1,007 |
| Cost of funding earning assets | 1.3158% | 4,435 |
| Net interest margin | 4.6582% | 881 |
| Noninterest income to average assets | 0.3401% | 5,429 |
| Noninterest expense to average assets | 2.9033% | 4,064 |
| Loan and lease loss provision to assets | 0.2107% | 4,771 |
| Net operating income to assets | 1.5954% | 732 |
| Return on assets (ROA) | 1.9430% | 406 |
| Pretax return on assets | 1.9430% | 683 |
| Return on Equity (ROE) | 16.0197% | 696 |
| Retained earnings to average equity (ytd only) | 0.1985% | 5,669 |
| Net charge-offs to loans | 0.1291% | 4,910 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,363 |
| Efficiency ratio | 61.6491% | 5,747 |
| Assets per employee ($millions) | 2.6382% | 6,881 |
| Cash dividends to net income (ytd only)* | 98.7607% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 6,853 |
| Loan loss allowance to noncurrent loans | 159.4010% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 5,902 |
| Noncurrent loans to loans | 0.5461% | 6,159 |
| Net loans and leases to total assets | 79.5207% | 872 |
| Net loans and leases to deposits | 95.1232% | 1,132 |
| Net loans and leases to core deposits | 96.8811% | 2,340 |
| Total domestic deposits to total assets | 83.5976% | 4,291 |
| Equity capital to assets | 11.8051% | 2,218 |
| Core capital (leverage) ratio | 11.9547% | 1,665 |
| Tier 1 risk-based capital ratio | 16.0362% | 2,654 |
| Total risk-based capital ratio | 16.9939% | 2,749 |
| Memoranda: | ||
| Average total assets | $132,884,670 | 4,281 |
| Average earning assets | $124,640,000 | 4,216 |
| Average equity | $16,117,670 | 3,775 |
| Average total loans | $108,462,670 | 3,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 1,039 |
| Cost of funding earning assets | 1.3824% | 4,289 |
| Net interest margin | 4.5852% | 979 |
| Noninterest income to average assets | 0.3549% | 5,300 |
| Noninterest expense to average assets | 2.7170% | 4,826 |
| Loan and lease loss provision to assets | 0.2754% | 3,819 |
| Net operating income to assets | 1.6553% | 678 |
| Return on assets (ROA) | 1.6553% | 727 |
| Pretax return on assets | 1.6553% | 1,152 |
| Return on Equity (ROE) | 13.4585% | 1,158 |
| Retained earnings to average equity (ytd only) | -8.9309% | 6,891 |
| Net charge-offs to loans | 0.1115% | 4,317 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 21.0333% | 1,136 |
| Efficiency ratio | 58.4595% | 6,416 |
| Assets per employee ($millions) | 2.6782% | 6,904 |
| Cash dividends to net income (ytd only)* | 166.3586% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 6,898 |
| Loan loss allowance to noncurrent loans | 520.8791% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 6,638 |
| Noncurrent loans to loans | 0.1691% | 7,001 |
| Net loans and leases to total assets | 79.6761% | 880 |
| Net loans and leases to deposits | 96.8555% | 1,013 |
| Net loans and leases to core deposits | 98.7204% | 2,269 |
| Total domestic deposits to total assets | 82.2628% | 4,950 |
| Equity capital to assets | 11.8698% | 2,123 |
| Core capital (leverage) ratio | 12.1461% | 1,573 |
| Tier 1 risk-based capital ratio | 16.5639% | 2,425 |
| Total risk-based capital ratio | 17.5663% | 2,484 |
| Memoranda: | ||
| Average total assets | $130,733,500 | 4,395 |
| Average earning assets | $122,393,500 | 4,317 |
| Average equity | $16,079,000 | 3,817 |
| Average total loans | $107,669,000 | 3,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4985% | 676 |
| Cost of funding earning assets | 1.6004% | 5,022 |
| Net interest margin | 4.8981% | 559 |
| Noninterest income to average assets | 0.3653% | 5,475 |
| Noninterest expense to average assets | 3.3821% | 2,736 |
| Loan and lease loss provision to assets | 0.2923% | 5,089 |
| Net operating income to assets | 1.2900% | 1,054 |
| Return on assets (ROA) | 1.2104% | 1,268 |
| Pretax return on assets | 1.2104% | 1,923 |
| Return on Equity (ROE) | 9.4085% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.1900% | 2,287 |
| Net charge-offs to loans | 0.3723% | 4,348 |
| Credit loss provision to net charge-offs | 93.7500% | 5,864 |
| Earnings coverage of net charge-offs (x) | 5.0755% | 2,695 |
| Efficiency ratio | 68.1276% | 4,983 |
| Assets per employee ($millions) | 2.5511% | 7,120 |
| Cash dividends to net income (ytd only)* | 55.4661% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 7,060 |
| Loan loss allowance to noncurrent loans | 528.5714% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 6,417 |
| Noncurrent loans to loans | 0.1560% | 7,036 |
| Net loans and leases to total assets | 83.7334% | 461 |
| Net loans and leases to deposits | 104.3965% | 631 |
| Net loans and leases to core deposits | 113.9469% | 2,503 |
| Total domestic deposits to total assets | 80.2071% | 5,614 |
| Equity capital to assets | 12.7497% | 1,618 |
| Core capital (leverage) ratio | 12.6463% | 1,382 |
| Tier 1 risk-based capital ratio | 16.5698% | 2,284 |
| Total risk-based capital ratio | 17.4879% | 2,361 |
| Memoranda: | ||
| Average total assets | $123,179,600 | 4,490 |
| Average earning assets | $115,656,600 | 4,405 |
| Average equity | $15,847,400 | 3,893 |
| Average total loans | $103,136,800 | 3,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5603% | 660 |
| Cost of funding earning assets | 1.6514% | 5,157 |
| Net interest margin | 4.9089% | 544 |
| Noninterest income to average assets | 0.3615% | 5,606 |
| Noninterest expense to average assets | 3.4576% | 2,397 |
| Loan and lease loss provision to assets | 0.3276% | 4,368 |
| Net operating income to assets | 1.1893% | 1,493 |
| Return on assets (ROA) | 1.1980% | 1,530 |
| Pretax return on assets | 1.1980% | 2,268 |
| Return on Equity (ROE) | 9.2904% | 2,165 |
| Retained earnings to average equity (ytd only) | 2.2866% | 4,049 |
| Net charge-offs to loans | 0.2301% | 4,620 |
| Credit loss provision to net charge-offs | 170.4545% | 2,732 |
| Earnings coverage of net charge-offs (x) | 7.8921% | 2,331 |
| Efficiency ratio | 69.5060% | 4,692 |
| Assets per employee ($millions) | 2.4586% | 7,293 |
| Cash dividends to net income (ytd only)* | 75.3875% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,406 |
| Loan loss allowance to noncurrent loans | 254.5455% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 6,422 |
| Noncurrent loans to loans | 0.3842% | 6,576 |
| Net loans and leases to total assets | 83.6549% | 582 |
| Net loans and leases to deposits | 111.4187% | 416 |
| Net loans and leases to core deposits | 124.5018% | 1,857 |
| Total domestic deposits to total assets | 75.0815% | 6,762 |
| Equity capital to assets | 12.6797% | 1,841 |
| Core capital (leverage) ratio | 12.6809% | 1,506 |
| Tier 1 risk-based capital ratio | 16.8386% | 2,322 |
| Total risk-based capital ratio | 17.9545% | 2,309 |
| Memoranda: | ||
| Average total assets | $122,085,500 | 4,538 |
| Average earning assets | $114,727,750 | 4,460 |
| Average equity | $15,743,500 | 3,961 |
| Average total loans | $101,997,250 | 3,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6920% | 549 |
| Cost of funding earning assets | 1.7060% | 5,236 |
| Net interest margin | 4.9860% | 446 |
| Noninterest income to average assets | 0.3620% | 5,617 |
| Noninterest expense to average assets | 3.5327% | 2,240 |
| Loan and lease loss provision to assets | 0.3472% | 3,842 |
| Net operating income to assets | 1.1638% | 1,575 |
| Return on assets (ROA) | 1.1770% | 1,624 |
| Pretax return on assets | 1.1770% | 2,367 |
| Return on Equity (ROE) | 9.0749% | 2,334 |
| Retained earnings to average equity (ytd only) | 2.0648% | 4,192 |
| Net charge-offs to loans | 0.2543% | 3,928 |
| Credit loss provision to net charge-offs | 164.0625% | 2,792 |
| Earnings coverage of net charge-offs (x) | 7.1406% | 2,488 |
| Efficiency ratio | 70.0426% | 4,771 |
| Assets per employee ($millions) | 2.3965% | 7,432 |
| Cash dividends to net income (ytd only)* | 77.2472% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,471 |
| Loan loss allowance to noncurrent loans | 190.4215% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 6,316 |
| Noncurrent loans to loans | 0.5072% | 6,258 |
| Net loans and leases to total assets | 83.3966% | 727 |
| Net loans and leases to deposits | 105.3737% | 803 |
| Net loans and leases to core deposits | 117.0683% | 2,622 |
| Total domestic deposits to total assets | 79.1437% | 5,768 |
| Equity capital to assets | 12.8848% | 1,744 |
| Core capital (leverage) ratio | 12.8533% | 1,479 |
| Tier 1 risk-based capital ratio | 17.1988% | 2,233 |
| Total risk-based capital ratio | 18.2998% | 2,233 |
| Memoranda: | ||
| Average total assets | $120,984,330 | 4,605 |
| Average earning assets | $113,597,670 | 4,525 |
| Average equity | $15,691,670 | 3,980 |
| Average total loans | $100,686,330 | 3,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5251% | 822 |
| Cost of funding earning assets | 1.7377% | 5,438 |
| Net interest margin | 4.7875% | 630 |
| Noninterest income to average assets | 0.3523% | 5,627 |
| Noninterest expense to average assets | 3.2567% | 2,771 |
| Loan and lease loss provision to assets | 0.3489% | 3,226 |
| Net operating income to assets | 1.2329% | 1,553 |
| Return on assets (ROA) | 1.2495% | 1,617 |
| Pretax return on assets | 1.2495% | 2,454 |
| Return on Equity (ROE) | 9.6019% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.5792% | 4,442 |
| Net charge-offs to loans | 0.3254% | 2,790 |
| Credit loss provision to net charge-offs | 129.6296% | 3,095 |
| Earnings coverage of net charge-offs (x) | 5.8765% | 2,592 |
| Efficiency ratio | 67.3077% | 5,081 |
| Assets per employee ($millions) | 2.1325% | 7,778 |
| Cash dividends to net income (ytd only)* | 73.1383% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,565 |
| Loan loss allowance to noncurrent loans | 83.9462% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 4,809 |
| Noncurrent loans to loans | 1.1177% | 4,747 |
| Net loans and leases to total assets | 82.7540% | 892 |
| Net loans and leases to deposits | 106.3962% | 833 |
| Net loans and leases to core deposits | 119.4277% | 2,467 |
| Total domestic deposits to total assets | 77.7791% | 6,084 |
| Equity capital to assets | 13.1981% | 1,659 |
| Core capital (leverage) ratio | 12.9424% | 1,498 |
| Tier 1 risk-based capital ratio | 17.5781% | 2,164 |
| Total risk-based capital ratio | 18.6419% | 2,160 |
| Memoranda: | ||
| Average total assets | $120,365,500 | 4,643 |
| Average earning assets | $112,794,500 | 4,562 |
| Average equity | $15,663,500 | 4,010 |
| Average total loans | $99,568,000 | 4,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7930% | 1,701 |
| Cost of funding earning assets | 2.0630% | 6,187 |
| Net interest margin | 4.7299% | 914 |
| Noninterest income to average assets | 0.3487% | 5,945 |
| Noninterest expense to average assets | 2.9234% | 4,365 |
| Loan and lease loss provision to assets | 0.3809% | 3,411 |
| Net operating income to assets | 1.4634% | 1,096 |
| Return on assets (ROA) | 1.4854% | 1,012 |
| Pretax return on assets | 1.4854% | 1,719 |
| Return on Equity (ROE) | 11.6318% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.4835% | 1,339 |
| Net charge-offs to loans | 0.2071% | 4,132 |
| Credit loss provision to net charge-offs | 222.2772% | 2,149 |
| Earnings coverage of net charge-offs (x) | 10.7624% | 2,465 |
| Efficiency ratio | 61.3167% | 6,104 |
| Assets per employee ($millions) | 2.0561% | 7,859 |
| Cash dividends to net income (ytd only)* | 44.2604% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,582 |
| Loan loss allowance to noncurrent loans | 111.4914% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 5,133 |
| Noncurrent loans to loans | 0.8231% | 4,991 |
| Net loans and leases to total assets | 81.1659% | 1,402 |
| Net loans and leases to deposits | 102.5357% | 1,528 |
| Net loans and leases to core deposits | 117.6055% | 2,937 |
| Total domestic deposits to total assets | 79.1587% | 5,315 |
| Equity capital to assets | 12.8314% | 1,859 |
| Core capital (leverage) ratio | 12.9796% | 1,547 |
| Tier 1 risk-based capital ratio | 17.3057% | 2,231 |
| Total risk-based capital ratio | 18.3331% | 2,234 |
| Memoranda: | ||
| Average total assets | $117,878,000 | 4,571 |
| Average earning assets | $110,128,400 | 4,513 |
| Average equity | $15,053,600 | 4,130 |
| Average total loans | $97,514,000 | 4,016 |